Use your self-managed super fund (SMSF) to purchase an investment property, provided it aligns with your fund’s investment strategy and risk tolerance.
Our experienced mortgage brokers can help you:
✔ Understand SMSF borrowing rules and compliance
✔ Access competitive SMSF loan options
✔ Structure your investment for long-term wealth and retirement planning
✔ Navigate residential or commercial property investment
Make the most of your super by using your SMSF to purchase an investment property. Credific Finance’s expert mortgage brokers assess your position and guide you with a tailored strategy for a smooth, confident purchase.
We provide clear insights into loan products and interest rates, while our expert mortgage brokers guide you through a fast, simple, and stress-free home loan process.
Investing through an SMSF can be complex, but our expert mortgage brokers make it easier. We help you stay compliant, assess your finances, and find the right SMSF loan for your investment goals.
We help you make strategic SMSF property investments to grow your retirement wealth. From a lending perspective, our experienced finance specialists or home loan advisors guide you through SMSF loan options.
Buying property through a self-managed super fund (SMSF) may seem complicated at first, but the process is straightforward once you understand the key steps. Here’s a brief overview of how to successfully purchase an investment property using your SMSF:
Establish your SMSF and ensure trustees understand their legal responsibilities.
Ensure the property investment aligns with your SMSF’s goals, risk tolerance, and compliance requirements
Determine your SMSF balance and borrowing capacity. This helps identify how much you can invest.
Get pre-approval from a lender to know your borrowing limit and strengthen your property offer.
Select residential or commercial property that fits your SMSF investment strategy and offers growth potential.
Submit the loan application with the lender, providing all necessary documents and compliance details. Once approved, settle the loan and transfer the property into your SMSF. Ensure all legal and compliance obligations are met.
Maintain compliance with SMSF regulations, manage the property effectively, and review your investment strategy regularly.
Our team helps you get SMSF loan pre-approval by ensuring:
You are financially stable and ready to purchase a property
The right lender is selected to streamline the buying process
You receive sound financial advice before making your investment
Get ahead in the market and apply for pre-approval to secure your SMSF property investment with confidence.
A Self-managed Super Fund Loan is a type of investment loan that enables an SMSF to utilize its funds as a deposit for acquiring an investment property, while also allowing it to borrow the additional amount necessary to complete the purchase.
Investing in property using a self-managed super fund (SMSF) offers several advantages for growing your retirement wealth:
Control Over Investments
You decide which properties to buy, manage, and sell, giving you full control over your retirement portfolio.
Diversification
Property can diversify your SMSF portfolio alongside shares, cash, and other assets, helping manage risk.
Tax Benefits
Income generated by the property may be taxed at concessional superannuation rates, and capital gains tax may be reduced if held until retirement.
Long-Term Wealth Growth
Property investments can provide capital growth and rental income, contributing to a stronger retirement fund.
Strategic Borrowing Options
An SMSF loan allows you to leverage your super balance to purchase residential or commercial property.
Estate Planning
Property held in an SMSF can be included in your estate plan, allowing you to manage how assets are distributed to beneficiaries.
A professional finance specialist or home loan advisor can help structure your SMSF property investment to maximise benefits while ensuring compliance with superannuation rules.
The interest rate for SMSF home loan can fluctuate based on various factors, such as the lending institution, the loan amount, the nature of the property being acquired, and the borrower’s credit profile and financial situation. Certain lenders may provide fixed interest rates, whereas others might offer variable rates that are subject to change in accordance with prevailing market conditions.
To apply for an SMSF loan, first set up your SMSF and appoint trustees. Get pre-approval from a lender, choose a property, and submit your loan application with all required documents. Work with an SMSF mortgage specialist to ensure compliance and a smooth process.
Risks include market fluctuations, higher interest rates than conventional loans, compliance obligations, and limited liquidity if cash is tied up in property.
Typically, SMSF loans require a deposit of 20–30% of the property value, depending on the lender and property type.
Benefits include control over investments, portfolio diversification, tax advantages, and long-term wealth growth for retirement.
